This BIAN report explores how embedded finance is reshaping banking by integrating financial services directly into non-bank platforms. As retailers, fintechs, and digital ecosystems embed payments, lending, and insurance into customer journeys, traditional banks face both disruption and opportunity. The paper outlines architectural shifts toward open APIs, modular services, and platform-based models that allow banks to participate in ecosystem partnerships. It also highlights governance, compliance, and scalability considerations. Ultimately, embedded finance demands that banks evolve from product providers to flexible service enablers within digital value chains.

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